Innovative

GRAND STRATEGY MATRIX UNTUK KEUNGGULAN BERSAING PERUSAHAAN (STUDI: PT HASJRAT ABADI MANADO)

Meitty Wongkar — 2025-04-30

The development of economic activities and the increase in economic actors in this case, economic actors of companies, make every company always try to innovate in strategic management so that they continue to develop with the products and services they have. The concept of competitive advantage from companies that have a strong management strategy becomes a strong capital to survive in an era full of competition. Companies engaged in the automotive sector to face competitive advantages in this era are required to always develop with good management strategies and cannot be imitated by competitors.PT Hasjrat Abadi Manado is a company that is an official dealer for selling Toyota brand cars and Yamaha brand motorbikes. Observing the presence of PT. Hasjrat Abadi Manado which continues to grow until now, it is interesting for the author to examine the Grand Matrix strategy in implementing this business. The method used is a qualitative research method with informants as many as 4 employees at PT. Hasjrat Abadi Manado consists of a branch head, 2 people from the Sales department and the Administration department. The purpose of this study is: the application of the Grand Strategy Matrix for Competitive Advantage of Companies with a Case Study at PT. Hasjrat Abadi Manado. The results of the study show that PT. Hasjrat Abadi Manado is in a position of a company that has strong competitiveness amidst rapid market growth with all the advantages it has in terms of products, services and financing.

DETERMINANTS OF MOBILE PAYMENT USAGE OF TENANTS AT FOODCOURT AND STUDENT HOUSE AT CATHOLIC UNIVERSITY OF DE LA SALLE MANADO

Josep Palulungan — 2025-04-30

The purpose of this research is to determine the usage of mobile payment and the determinants influencing the usage. This research is a quantitative descriptive that explaining the phenomena through data collecting and analyzed by using statistical methods. The population of this research is the tenants operating and actively doing business at Catholic University of De La Salle Manado especially in Foodcourt area and Student House area. Data collection method used in this research is questionnaires distributed to all of the tenants in the designated area. the result of partial test concluded that performance expectation, effort expectation, social influence, perceived risk, and perceived cost don’t have a significant influence on behavioral intention to use mobile payment. This also means that hypothesis one through hypothesis five is rejected. Perceived trust in the only variable that has a significant influence on behavioral intention to use mobile payment, and the hypothesis six is accepted. Based on simultaneous test, the result shows that all the independent variables have a significant influence on behavioral intention to use mobile payment. This also means that the hypothesis seven is accepted. Even though there are a few tenants show is not using mobile payment as their payment methods, but this research could provide some insights as a recommendation for them to use mobile payment. Based on the observation of researcher, the insignificant partial tests of a few variables caused by the small population of this research, so it is recommended for future research to increase the population size to get the more comprehensive understanding of these variables in this research.

ANALISIS FAKTOR PSIKOLOGIS TERHADAP KEPUTUSAN KONSUMEN DALAM PEMBELIAN KOMODITAS EMAS DI PT. EQUITYWORLD FUTURES CABANG MANADO

Militia Borang — 2025-04-30

This study aimed to determine the influence of consumer trust, risk perception, and brand image on the purchase decisions of gold commodity futures trading market at PT. Equityworld Futures Manado Branch. The method used was quantitative. Data were collected through questionnaires distributed to prospective consumers of PT. Equityworld Futures Manado Branch. The results showed that consumer trust, risk perception, and brand image had a significant influence both partially and simultaneously on the purchase decisions. Consumer trust was proven to be the most dominant factor influencing the purchase decisions, followed by brand image and risk perception. The implications of this study suggest that companies should strengthen consumer trust, manage risk perception effectively, and build a strong brand image to enhance the consumer purchase decisions. This study is expected to serve as a reference for companies in formulating effective marketing strategies in the gold commodity futures trading market.

DINAMIKA TURNOVER INTENTION PADA KARYAWAN MARKETING: IMPLIKASI DARI KOMPENSASI, WORKLIFE BALANCE, DAN BEBAN KERJA DI PT. EQUITYWORLD FUTURES MANADO

Veola Solung — 2025-04-30

This study aimed to determine the infuence of Compensation, Work-life Balance, and Workload on Turnover Intention at PT. Equityworld Futures Manado. This study was quantitative study using questionnaire data through Google Forms distributed to 57 Marketing Employees and processed using SPSS version 27 software. The results of this study indicated that Compensation in this study had a significant influence on Turnover Intention, Work-life Balance in this study had a significant influence on Turnover Intention, and Workload in this study had a significant influence on Turnover Intention. Simultaneously, all independent variables influenced the dependent variable at PT. Equityworld Futures Manado.

PENGARUH LIKUIDITAS DAN AKTIVA PRODUKTIF TERHADAP PROFITABILITAS STUDI KASUS PADA BANK-BANK PERKREDITAN RAKYAT DI PROVINSI SULAWESI UTARA

Elisha Lumintang — 2025-04-30

Profitability is a measurement of the level of profit obtained by a bank through operational activities and management of assets owned. The profit of a bank can be assessed through the ratios reported in the financial statements. This study aimed to analyze the influence of liquidity and productive assets on the profitability of Bank Perekonomian Rakyat in North Sulawesi Province, with exogenous variables consisting of liquidity variable, measured by the Loan to Deposit Ratio (LDR) and cash ratio indicators, and productive assets variable, measured by the Non Performing Loan (NPL) and Allowance for Productive Asset Write-Offs (PPAP) indicators while the endogenous variable consisting of profitability as measured by the Return on Assets (ROA) indicator. This study used a multivariate research method of Partial Least Squares Structural Equation Modeling (PLS-SEM) and Smart-pls software by using secondary data of ratios and time series. The population of the study was 18 Bank Perekonomian Rakyat in North Sulawesi Province. The sampling method was purposive sampling with a sample of 64 that met the specified criteria. The results showed that Liquidity had a significant influence on Profitability, Productive Assets had a significant influence on Profitability, and simultaneously, Liquidity and Productive Assets had a significant influence on Profitability.

DINAMIKA PERUBAHAN REGULASI PAJAK: STUDI PERBANDINGAN PPh ORANG PRIBADI PRA DAN PASCA PMK 168 TAHUN 2023

Ollyviana Dianomo — 2025-04-30

Taxation is one of the primary sources of state revenue and serves as a crucial instrument of fiscal policy to fund various government activities. To enhance efficiency and fairness in the tax system, the government frequently introduces changes and harmonizes tax regulations. One of the latest regulatory updates is the Minister of Finance Regulation (PMK) Number 168 of 2023, effective as of January 1, 2024, following Government Regulation Number 58 of 2023. This regulation governs the procedures for withholding Income Tax (Article 21) on individual income, as part of broader efforts to harmonize Indonesia’s tax system. This study aims to analyze the dynamics of these regulatory changes and compare the calculation of individual income tax obligations before and after the implementation of PMK 168 of 2023. The research employed a descriptive method with a qualitative approach. Secondary data were used and collected through documentation techniques. Data analysis involved several stages, including data collection, raw data description, data reduction, categorization, and identifying relationships between categories. The results of the study indicate that the application of effective tax rates as stipulated in PMK 168 of 2023 simplifies the calculation process of Article 21 Income Tax for individual taxpayers. Individuals with lower incomes benefit from reduced or even exempted tax obligations, while those with higher incomes are subject to higher tax rates. This regulatory change reflects the principles of fairness and proportionality in tax collection by imposing a greater tax burden on those with higher income levels.

PENGARUH MANAJEMEN RANTAI PASOK TERHADAP PEMASARAN DAN PENJUALAN PRODUK CV. AKE ABADI

Christophorus Koleangan — 2025-04-30

This study investigates the influence of supply chain management (SCM) on the marketing and sales of CV. Ake Abadi's products. In the current rapidly evolving industrial era, companies face intense competition, necessitating effective and efficient strategies. CV. Ake Abadi, a major beverage producer, experiences challenges in aligning its SCM with marketing efforts, primarily due to limitations in production capacity and product storage. These constraints directly impact its ability to meet market demand, implement effective marketing strategies, and consequently affect sales performance. This research employs a qualitative method, utilizing a case study approach at CV. Ake Abadi. Data was collected through in-depth interviews with company management, direct observation, and a review of relevant literature. The findings reveal that SCM, particularly production capacity constraints (limited to two main machines and insufficient storage), significantly restricts the company's marketing activities and contributes to sales stagnation. The company struggles with sudden demand surges and its reliance on distributors limits direct market responsiveness. The study aims to identify the impact of SCM on CV. Ake Abadi's marketing and analyze its influence on product sales. It concludes that CV. Ake Abadi's current SCM inadequacies, especially in production, act as a primary inhibitor to effective marketing and sales growth, highlighting an urgent need for improvements in these areas.

PENGARUH NILAI TUKAR, TINGKAT SUKU BUNGA DAN INFLASI TERHADAP INDEKS HARGA SAHAM PERUSAHAAN SEKTOR KESEHATAN DI BURSA EFEK INDONESIA PERIODE 2018-2022

Anastacia Runtuwene — 2025-04-30

This study aimed to analyze the influence of macroeconomic factors on the stock price movements of companies in the healthcare sector listed on the Indonesia Stock Exchange in the period of 2018 to 2022. The influence was analyzed both partially and simultaneously on 8 companies that met the criteria from a total of 33 healthcare sector companies that were the population and sample. The analysis was carried out using multiple linear regression with secondary data taken from the IDX and Bank Indonesia websites. Based on the T-test, partially, the Exchange Rate, Interest Rate, and Inflation did not significantly influence the Stock Price Index of Healthcare Sector Companies listed on the Indonesia Stock Exchange. The results of the F-test showed that simultaneously, the Exchange Rate, Interest Rate, and Inflation also did not significantly influence the Stock Price Index of Healthcare Sector Companies listed on the Indonesia Stock Exchange. Overall, this study indicated that around 7.2% of the independent variables influenced the dependent variable, while the remaining 92.8% was influenced by other macroeconomic factors not examined in this study.